FAQ

Yes, absolutely. We assist clients with home loan pre-approvals, which are typically valid for up to 90 days. Pre-approval gives you a clear idea of your borrowing capacity and strengthens your position when making an offer on a property.

Your borrowing capacity depends on factors such as your income, expenses, debts, assets, and credit score. Our team can provide a personalised assessment to help you understand how much you can comfortably borrow without overextending.

We are mortgage brokers with access to over 30 lenders across Australia, including major banks, credit unions, and specialist lenders. This allows us to compare loan products and find the most competitive rates and suitable structures for your needs.

Typically, conditional approval takes 1–5 business days once we have all your documents. Full approval can take another 3–7 business days, depending on the lender and complexity. We’ll guide and follow up every step to ensure a smooth process.

Yes, we specialise in helping clients with non-standard or challenging financial backgrounds. Whether it’s past defaults, irregular income, or being self-employed, we’ll work to find lenders who consider your full financial picture.

Generally, you’ll need:

• Proof of ID (passport/driver’s licence)
• Payslips or income verification
• Bank statements
• Tax returns (if self-employed)
• Asset and liability details

We provide a full checklist once we know your loan type.

Absolutely. We assist first-home buyers in accessing schemes such as the First Home Owner Grant, First Home Guarantee, and relevant state-level stamp duty concessions. We’ll help you navigate all available benefits.

A fixed rate stays the same for a set period (e.g. 2–5 years), offering repayment certainty. A variable rate can change over time based on market conditions but often offers more flexibility. We help you weigh both options depending on your goals.

Yes. We offer refinancing solutions to help you:

• Reduce interest rates
• Consolidate debts
• Access equity
• Change loan features

We also compare your current loan with better options in the market.

Definitely. We help many self-employed clients secure home loans, business finance, and more. You may need to provide recent tax returns, BAS statements, or bank statements depending on the lender’s criteria.

Yes. Whether you’re purchasing your first investment property or growing a portfolio, we assist with structuring your loans, maximising tax effectiveness, and finding lenders who support long-term investment strategies.

Yes. We assist small to medium-sized businesses with:

• Commercial property finance
• Working capital loans
• Equipment or vehicle finance
• Franchise and startup funding

We also structure loans to suit your cash flow needs.

We work for you, not the banks. Unlike banks who only offer their own products, we compare multiple lenders to find what works best for your goals. Plus, our service is personal, transparent, and ongoing—even after your loan settles.

Yes. Our relationship doesn’t end after loan approval. We offer annual loan reviews, refinancing checks, and long-term financial planning to help you stay ahead and reach your goals faster.

Simply call us, send an enquiry through our website, or book a free consultation. We’ll take the time to understand your situation and guide you step-by-step through the process.